What happens to orthos who can't cut anymore

[iatrosB]

Could someone tell me what options an orthopod has if they can't cut anymore? Say for instance they hurt their hands in a motorcycle wreck or some other accident. What options do they have?

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[ny skindoc]

Could someone tell me what options an orthopod has if they can't cut anymore? Say for instance they hurt their hands in a motorcycle wreck or some other accident. What options do they have?

They should have purchased disability insurance, they will then have much of their lost income replaced.They can work if they choose in a non surgical aspect of medicine,reviewing insurance,workmans comp claims, doing insurance physicals etc,however if they purchased the right policy in advance of their accident they wont have to worry.

 

[Ross434]

So like, lets say you make 400k, and lets say you're 38 years old. You purchase this insurance. Then, unfortunately, you COMPLETELY wreck your hands when a 50 ton boulder pins your arms as a semi truck runs over your outstretched hands.. Afterwards, you cant really use a pencil or pen ever again , so your career is screwed. But you do get a job working at mcdonalds (they'll take ANYONE )


The insurance company is really going to pay out 400k a year to you until age 60??? Thats like 10 million dollars!

 

[Kilgorian]

What the insurance company pays out depends upon the type of policy you have and how much you pay for it. It is extremely important to have this insurance if you are a surgeon. Try to get an employment specific policy - say if you got hurt and couldn't operate anymore, but could go back and do a residency in radiology and interpret films or something like that (you can get screwed). Good policies are hard to find now and are expensive. A good financial planner can help out with this stuff.